| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.27% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.54% |
| BISHOP LONA3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.18% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 310 1ST ST SW STE 201 ROANOKE, VA 24011 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $787 | $787 | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | AMERITAS LIFE INSURANCE CORP | $884 | — | $884 | 7.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $394 | $394 | 3.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 1150 JULIAN DR STE 100 WATKINSVILLE, GA 306776012 | AMERITAS LIFE INSURANCE CORP | $287 | — | $287 | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | — | $2K | $2K | 79.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | — | $888 | $888 | 33.66% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 242 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $50K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.